Morgan Stanley Home Loans

www.morganstanley.com 1-800-473-5584

Traditional Home Loans

Free up cash with a fixed-to-adjustable-rate mortgage from Morgan Stanley Home Loans. These loans offer lower, interest-only payments for the first 10 years¹. The loan is a 30-year fixed-to-adjustable-rate mortgage with an initial fixed-rate period that may be either 3-, 5-, 7- or 10-years². That makes the amount you would normally pay toward the loan's principal available for other needs. Or apply the monthly savings to your loan principal—whatever works best with your wealth-building strategy.

Fixed-to-adjustable-rate loans feature:

Fixed interest rate for the first 3, 5, 7, or 10 years, with annual rate adjustments based on the one-year LIBOR plus a margin (of 2.5%) for the remaining term of the loan.
Interest-only payments during the initial 10 years.
Conversion to a fully amortizing (principal and interest) one-year adjustable-rate mortgage, after the 10-year period, for the remaining 20 years.

Call us to apply now: (800)473-5584.

¹An “interest-only” mortgage allows you to pay only the interest on the money you borrowed for the first few years of the mortgage. This is known as the “interest-only” period (for example, the first 10 years of the loan). If you pay the amount of interest that’s due, once the interest-only period ends:

You will still owe the original amount you borrowed.
Your monthly payment will increase – even if interest rates stay the same – because you must pay back the principal as well as interest.
Ask what the payments on your loan will be after the end of the interest-only period. If you are considering an adjustable-rate mortgage, ask what your payments can be if interest rates increase.

²See Important Disclosure Information for additional information on rates and terms of fixed-to-adjustable rate loans.

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